                    &\multicolumn{1}{c}{Auto Loan Rate}&\multicolumn{1}{c}{Auto Loan Rate}&\multicolumn{1}{c}{Auto Loan Rate}&\multicolumn{1}{c}{Auto Loan Rate}&\multicolumn{1}{c}{Auto Loan Rate}&\multicolumn{1}{c}{Auto Loan Rate}&\multicolumn{1}{c}{Auto Loan Rate}\\
\hline
Minority            &     -32.290         &     -31.763         &     -81.307         &       6.487         &     -30.065         &     -17.232         &     -11.412         \\
                    &    (46.059)         &    (45.872)         &    (52.239)         &    (66.217)         &    (67.872)         &    (70.524)         &    (71.657)         \\
Minority X High Racial Bias State&                     &                     &      99.321\sym{**} &                     &                     &                     &                     \\
                    &                     &                     &    (47.483)         &                     &                     &                     &                     \\
Minority X Low Banking Competition&                     &                     &                     &     -77.753         &                     &                     &                     \\
                    &                     &                     &                     &   (100.100)         &                     &                     &                     \\
Low Banking Competition&                     &                     &                     &      72.153         &                     &                     &                     \\
                    &                     &                     &                     &    (80.578)         &                     &                     &                     \\
Minority X Low Dealer Competition&                     &                     &                     &                     &      -4.023         &                     &                     \\
                    &                     &                     &                     &                     &   (102.387)         &                     &                     \\
Low Dealer Competition&                     &                     &                     &                     &     -31.159         &                     &                     \\
                    &                     &                     &                     &                     &    (71.669)         &                     &                     \\
Minority X High Non-Bank Financing&                     &                     &                     &                     &                     &     -29.227         &                     \\
                    &                     &                     &                     &                     &                     &   (102.038)         &                     \\
High Non-Bank Financing&                     &                     &                     &                     &                     &      14.967         &                     \\
                    &                     &                     &                     &                     &                     &    (75.501)         &                     \\
Minority X Rural    &                     &                     &                     &                     &                     &                     &     -40.412         \\
                    &                     &                     &                     &                     &                     &                     &    (96.745)         \\
Rural               &                     &                     &                     &                     &                     &                     &     -28.002         \\
                    &                     &                     &                     &                     &                     &                     &    (70.673)         \\
Female              &     114.009\sym{**} &     113.219\sym{**} &     112.611\sym{**} &     112.879\sym{**} &     113.076\sym{**} &     113.268\sym{**} &     113.814\sym{**} \\
                    &    (44.486)         &    (44.623)         &    (44.617)         &    (44.589)         &    (44.593)         &    (44.569)         &    (44.551)         \\
Age                 &      -0.172         &      -0.177         &      -0.155         &      -0.172         &      -0.177         &      -0.176         &      -0.184         \\
                    &     (0.861)         &     (0.862)         &     (0.862)         &     (0.862)         &     (0.864)         &     (0.863)         &     (0.862)         \\
log(Income)         &      -0.167         &      -0.175         &      -0.163         &      -0.182         &      -0.179         &      -0.174         &      -0.178         \\
                    &     (0.776)         &     (0.777)         &     (0.776)         &     (0.777)         &     (0.776)         &     (0.777)         &     (0.778)         \\
Log(Auto Loan Amount)&       0.019         &       0.050         &       0.043         &       0.053         &       0.054         &       0.046         &       0.040         \\
                    &     (0.746)         &     (0.749)         &     (0.750)         &     (0.749)         &     (0.750)         &     (0.750)         &     (0.748)         \\
Auto Loan to Income Ratio&       0.906         &       0.921         &       0.921         &       0.911         &       0.913         &       0.923         &       0.915         \\
                    &     (0.757)         &     (0.756)         &     (0.756)         &     (0.756)         &     (0.757)         &     (0.756)         &     (0.754)         \\
Credit Score \textsubscript{t-1}&                     &       0.370         &       0.367         &       0.373         &       0.369         &       0.372         &       0.379         \\
                    &                     &     (0.749)         &     (0.750)         &     (0.750)         &     (0.750)         &     (0.749)         &     (0.751)         \\
log(Total Debt \textsubscript{t-1})&                     &      -1.316\sym{**} &      -1.332\sym{**} &      -1.308\sym{**} &      -1.318\sym{**} &      -1.315\sym{**} &      -1.318\sym{**} \\
                    &                     &     (0.593)         &     (0.592)         &     (0.596)         &     (0.592)         &     (0.594)         &     (0.594)         \\
Debt to Income \textsubscript{t-1}&                     &       0.192         &       0.165         &       0.194         &       0.188         &       0.189         &       0.191         \\
                    &                     &     (0.688)         &     (0.691)         &     (0.690)         &     (0.688)         &     (0.688)         &     (0.688)         \\
log(Past Due Debt \textsubscript{t-1})&                     &       0.738         &       0.735         &       0.752         &       0.737         &       0.737         &       0.746         \\
                    &                     &     (0.759)         &     (0.760)         &     (0.763)         &     (0.759)         &     (0.759)         &     (0.759)         \\
Auto Debt Share     &                     &      -1.491\sym{**} &      -1.496\sym{**} &      -1.493\sym{**} &      -1.489\sym{**} &      -1.490\sym{**} &      -1.497\sym{**} \\
                    &                     &     (0.620)         &     (0.621)         &     (0.620)         &     (0.620)         &     (0.620)         &     (0.619)         \\
log(Personal Income Per Capita)&      -1.850\sym{**} &      -1.818\sym{**} &      -1.809\sym{**} &      -1.811\sym{**} &      -1.824\sym{**} &      -1.819\sym{**} &      -1.815\sym{**} \\
                    &     (0.796)         &     (0.796)         &     (0.795)         &     (0.798)         &     (0.797)         &     (0.796)         &     (0.798)         \\
log(Population Density)&      -1.498\sym{*}  &      -1.511\sym{*}  &      -1.518\sym{*}  &      -1.509\sym{*}  &      -1.514\sym{*}  &      -1.508\sym{*}  &      -1.516\sym{*}  \\
                    &     (0.842)         &     (0.839)         &     (0.839)         &     (0.839)         &     (0.838)         &     (0.838)         &     (0.837)         \\
Bachelors Degree    &       0.056         &       0.062         &       0.043         &       0.062         &       0.060         &       0.063         &       0.076         \\
                    &     (0.750)         &     (0.750)         &     (0.750)         &     (0.751)         &     (0.750)         &     (0.749)         &     (0.750)         \\
Commute Using Car   &      -0.353         &      -0.385         &      -0.377         &      -0.385         &      -0.381         &      -0.385         &      -0.377         \\
                    &     (0.658)         &     (0.658)         &     (0.657)         &     (0.658)         &     (0.658)         &     (0.658)         &     (0.658)         \\
\hline
R-Squared           &       0.008         &       0.008         &       0.008         &       0.008         &       0.008         &       0.008         &       0.008         \\
Observations        &      17,403         &      17,403         &      17,403         &      17,403         &      17,403         &      17,403         &      17,403         \\
